This home is in North Beach, St. Augustine — a pool home in St. Johns County.
Active·126 days on market·North Beach
4240 Myrtle Street
St. Augustine, FL 32084
About this home
North Beach
4240 Myrtle Street is a fully renovated, turnkey pool home set on a rare quarter-acre corner lot in the heart of Vilano Beach, delivering a high-level blend of character, functionality, and modern upgrades in one of the most sought-after coastal pockets in the area. This 3-bedroom, 2.5-bathroom home has been thoughtfully reworked from top to bottom, creating a true move-in-ready opportunity that lives just as well as a primary residence as it does a second home or income-producing property. From the moment you walk in, the home opens to pool views with a layout that flows effortlessly between the kitchen, living, and dining areas, giving it a natural, open feel ideal for both everyday living and entertaining. The first floor is anchored by authentic Mexican Saltillo terracotta tile flooring that brings warmth and character, paired with a clean, updated kitchen featuring tall cabinetry, granite countertops, and refined finishes.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $640,204 | $141,875 | — |
| 2024 | $629,971 | $137,028 | — |
| 2023 | $596,764 | $131,435 | — |
| 2022 | $521,846 | $130,505 | — |
| 2021 | $361,229 | $125,233 | — |
| 2020 | $357,590 | $122,807 | — |
2025 property taxes (current owner): $2,414/yr
Estimated taxes if purchased at asking price: ~$19,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,698 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- Apr 25, 2026Listed$1,195,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About North Beach
North Beach is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all North Beach homes for sale →Listing Courtesy of: THE NEWCOMER GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines